Travel insurance covers:

Expenses related to the restoration or replacement of personal effects taken with you on a trip if these effects are damaged or destroyed due to a sudden unforeseeable event during the trip (including theft)

Property damage or personal injury caused to third parties while on the trip

Travel cancellation cover

Travel cancellation cover starts on the third full day after you enter into the insurance policy. In other words, if the insurance event (see conditions of travel insurance (PDF)) takes place on either the first or second day after the policy date, you are not covered and the cancellation will not be indemnified.

Medical assistance insurance covers:

expenses on transporting the Insured Person to a medical institution and Estonia;

costs of returning a child to Estonia;

travel expenses of a close relative or partner;

travel lengthening costs;

costs of buying coffin.

Excess

The excess is the amount of the damage that will be borne by you in every insured event. The excess is applied to insured events in property, travel itinerary change, liability and legal assistance insurance. Where a single insurance contract covers several family members who are living together, a single joint excess will apply to the family members. The amount of the excess is 30 euros.

Travel insurance with credit card

Some credit cards conclude also travel insurance. Read more about cards and concluded travel insurance:

Additional cover for dangerous activities*

If you are planning to participate in sports competitions or sports training while on the trip or your goal is to have an active and adventurous holiday, choose the additional cover for dangerous activities for your travel insurance.

Sports training and competitions: participating in official sports competitions or professional training

Winter sports: skiing and snowboarding off-piste (only with the use of safety equipment*) with a companion

Water sports: sailing, piloting a motorboat, surfing, windsurfing, diving at depths over 10 m (only with a diving certificate*)

Hiking: mountain hiking at altitudes up to 5,500 metres, climbing on Via Ferrata routes up to Category III*, hikes or expeditions to jungles, deserts, wilderness or uninhabited areas without a professional guide

Cycling: cycling in mountainous areas or participating in cycling competitions

* Further information available in Appendix 1 “Classification of Dangerous Activities” to the Travel Insurance Terms and Conditions

Additional cover for a sports trip

The additional cover for a sports trip can be chosen if you have purchased all the other insurance cover policies (medical care, property and travel disruption insurance) as well. You are able to expand the existing covers with the additional cover for a sports trip:

Extensions of travel disruption insurance: we always deem the cancellation of the trip to be justified if the departure of the aircraft, train or ship to the destination of the trip is more than 36 hours late. We will always deem the disruption of the trip and returning to Estonia justified if your accident or illness does not allow you to engage in the planned sport or participate in the competition over at least the next 48 hours.

Extension of property insurance: in addition to the sum insured indicated in the policy, we will indemnify up to 3,000 euros for sports equipment (including leased sports equipment) broken during the trip.

Closed runs insurance: if all runs of the sports centre that serves as the destination of the trip are closed due to unexpected and unforeseen worsening of the weather conditions, we will pay an indemnity of 50 euros per day, but not more than 350 euros in total.

If you participate in a sports camp or a sports competition as an amateur, you must choose the additional cover for dangerous activities beforehand.

Additional cover for working abroad

We will indemnify damage caused while working or undergoing practical training abroad only if the additional cover for working abroad has been indicated in the policy. Regardless of the existence of the additional cover, the insurance cover does not apply to the generally excluded activities or activities covered with additional cover for dangerous activities.

What is always covered under travel insurance and what is covered under additional cover for dangerous activities?

Activities

Always covered

(insurance is valid if no additional cover for dangerous activities has been chosen)

Covered under additional cover for dangerous activities

Always excluded

(insurance is not valid even if additional cover for dangerous activities has been chosen)

Participation in official sports competitions or professional training

Participating in a sports camp or an official sports competition as an amateur. Refereeing a contact sport competition (e.g. football, basketball, ice hockey)

Participating in sports competitions or camps as a professional athlete or sports federation representative

Skiing, snowboarding

Skiing and snowboarding on mountain routes (only with use of safety equipment*) or cross-country skiing

Skiing and snowboarding off-piste (only with use of safety equipment*) with a companion

Speed runs, heliboarding, off-piste trips alone

Swimming, diving

Diving and snorkelling at depths of up to 10 m

Diving at depths over 10 m (only with diving certificate*)

Diving at night, to shipwrecks, in underwater caves and diving alone

Sailing, surfing, motorboats

Inland (Category D) and coastal (Category C – up to 24 miles from coast)

Sailing or navigating a motorboat in high seas and in the ocean; surfing, kiteboarding, windsurfing

Sailing or navigating a motorboat in high seas and in the ocean alone

Boating

Inland and coastal waters, mountain rivers and their stages up to Category II**

Boating in rapid rivers and their stages up to Category III**; boating in the coastal sea and ocean

Jumping from waterfalls, boating alone in remote areas*

Flying

With an airplane or helicopter (only if the pilot has obtained the respective private pilot’s licence)

With a hot air balloon, glider, hang glider, certified paraglider (only if the pilot has obtained a respective licence); with an uncertified paraglider if the pilot has acquired at least FAI ParaPro4 qualification. Acro manoeuvres over water bodies by licenced and adequately trained* pilots

Flying without a private pilot’s license, flying under weather conditions incompatible with the experience of the pilot, flying with equipment that is incompatible with pilot qualification, parachuting and bungee-jumping

Mountain hiking

Up to altitudes of 4,500 metres, including mountain hiking routes up to Category PD**

Up to altitudes of 5,500 metres, including mountain hiking routes up to Category AD**

Crossing semi-closed and closed glaciers, hiking alone in the mountains and in remote areas*, ice climbing

Rock climbing

On well-equipped (sports) routes (only with use of safety equipment*)

Climbing on Via Ferrata routes up to Category III** (only with use of safety equipment*)

* Explanationsonly with use of safety equipment – only when generally accepted safety equipment, including helmet or other body protection, and fasteners are used, or other equipment is used if it is a relevant safety requirement in the particular situationonly with diving certificate – only divers who possess a Professional Association of Diving Instructors (PADI) or similar diver certificate remote areas – areas with restricted access*** with no professional rescue services and regular mobile phone coveragepilot with adequate training – a licenced pilot who has passed a Simulation d’Incident en Vol course and who has at least two years’ experience with Acro manoeuvres

** Categories of difficultyboating - indicated category of difficulty pursuant to the International Scale of River Difficultymountain hiking and rock climbing – indicated category of difficulty pursuant to the European Alpine***; for climbing on Via Ferrata routes – indicated category of difficulty pursuant to the Italian Via Ferrata Grading System; canyoneering – indicated category of difficulty pursuant to the Canyoneering Grade System

Areas with restricted access
In Europe – e.g. Scandinavia and the northern part of Russia near the Arctic Circle; mountainous regions of Russia and Ukraine; worldwide e.g. mountains and glaciers in Greenland, mountains and deserts in Africa

Please read the terms and conditions carefully before you sign the contract and consult an expert if necessary.

Is it necessary to enter into a travel insurance contract if you have the European Health Insurance Card?

The cover offered by health insurance varies in all European Union Member States. Visit the website of the National Health Insurance Fund to check which services are covered by national medical insurance at your destination and which services you have to pay for. For example, the European Health Insurance Card holders are usually obliged to pay for certain retention if the trip is prolonged due to illness or it is necessary to return home earlier than planned and thus organise it on one’s own.

With travel insurance you don’t have to worry about additional expenses, as these will be covered by insurance. Both expenses may amount to hundreds or even thousands of euros.

What do I have to do if I fall ill or an accident occurs during the trip?

In case of minor illness (common cold, fever, etc.), pay the medical treatment expenses on site, if possible. When you return from the trip, submit the loss notification and medical treatment invoice to Swedbank property insurance. If you are in need of urgent treatment or hospitalisation, please address our Claims Handling at 888 2111 (24 h).

What expenses are covered if the luggage is delayed?

If the arrival of luggage is delayed in the destination of your trip by the transport operator for at least 4 hours, we will indemnify any essential commodities that you purchased or rented for the purpose of using them during the trip as well as any expenses incurred in order to purchase objects that are important with regard to the purpose of the trip to the extent of 300 euros.

We will indemnify the expenses provided that:

it is not cabin luggage;

you have taken reasonable measures to obtain your luggage;

you have immediately notified the respective transport operator of the late arrival of your luggage and you have a certificate that verifies the delay in the transport of luggage that includes a note concerning the time of receipt of the luggage.

If my flight is delayed and I cannot make the next flight, what will be indemnified?

If the departure is 4 to 24 hours late, we will indemnify up to 150 euros for incurring the required expenses. If the flight is delayed by more than 24 hours, we will indemnify a maximum of 300 euros. We consider required expenses to constitute expenses on food and accommodation, and also expenses on toiletries if you have checked your luggage.

In addition, we will indemnify the rise in travel and accommodation expenses necessary for continuing the planned trip and previously paid and irrecoverable expenses for services that were unused due to not making the connecting flight.

You need to ask the airline or travel agent for a written confirmation of the belatedness of the flights.

Change of itinerary examples

You were en route to a three-week holiday in a five-star seaside hotel in Bali. The scheduled flight was Tallinn to Denpasar via Frankfurt. Due to thick fog in Tallinn, the Tallinn-Frankfurt flight departed four hours behind schedule causing you to miss your connecting flight to Denpasar. The airline exchanged your tickets without extra charge for a flight departing two days later and offered you accommodation in a three-star hotel adjacent to the airport. You were therefore unable to spend two nights of your stay in the luxury hotel in Bali and the hotel did not refund you the money you had paid for it. Pursuant to the terms and conditions of travel insurance, if the substance and quality of the replacement service differ significantly from the initial service, we will consider the cost of the replacement service to constitute 50% of the price of the initial service, and therefore indemnify the cost of 50% of the nights in the hotel in Bali that you were unable to use.

You were on holiday in India and due to return. The flight back home was from Goa to Tallinn via Delhi and Amsterdam. However, due to an aircraft technical failure, the flight from Goa to Delhi was delayed and scheduled for the next day. In order to avoid missing your connecting flight via Amsterdam and arrive on time in Tallinn, you purchased new tickets to Delhi from the airport in Goa. Your insurance will indemnify the cost of purchasing the new tickets.

You were visiting friends in the United States and were due to return to Tallinn from Miami via London and Helsinki. The first flight landed on time but, due to adverse weather conditions, the flight from London to Helsinki was delayed insofar as to make it impossible for you to make the Helsinki-Tallinn flight. The airline offered the next flight to Tallinn, which was scheduled to depart the following day, but you needed to be in Tallinn on the same night. Therefore, you decided to drive to the port and board a ferry. Your flight ticket was therefore not used and the airline did not refund it. Pursuant to the terms and conditions of travel insurance, if additional transport costs are incurred due to a change in the itinerary and the irrecoverable transport services that have already been paid for remain unused, we will indemnify the cost of the higher of the two. In this instance, the price of the flight ticket was higher than the cab fare to the port and the ferry ticket combined; therefore, your insurance will indemnify the cost of the unused flight ticket.

What do I have to do if I want to learn more about Swedbank’s travel insurance?

If you have general questions about travel insurance or your insurance contract, call the Customer Support (888 1513) or write to varakindlustus@swedbank.ee.

In the case of questions concerning claims call the Claims Handling Department of Swedbank (888 2111).

What does the Swedbank Gold and Platinum credit card travel insurance cover?

Participating in a sports camp or an official sports competition as an amateur. Refereeing a contact sport competition (e.g. football, basketball, ice hockey)

Participating in sports competitions or camps as a professional athlete or sports federation representative

Skiing, snowboarding

Skiing and snowboarding on mountain routes (only with use of safety equipment*) or cross-country skiing

Skiing and snowboarding off-piste (only with use of safety equipment*) with a companion

Speed runs, heliboarding, off-piste trips alone

Swimming, diving

Diving and snorkelling at depths of up to 10 m

Diving at depths over 10 m (only with diving certificate*)

Diving at night, to shipwrecks, in underwater caves and diving alone

Sailing, surfing, motorboats

Inland (Category D) and coastal (Category C – up to 24 miles from coast)

Sailing or navigating a motorboat in high seas and in the ocean; surfing, kiteboarding, windsurfing

Sailing or navigating a motorboat in high seas and in the ocean alone

Boating

Inland and coastal waters, mountain rivers and their stages up to Category II**

Boating in rapid rivers and their stages up to Category III**; boating in the coastal sea and ocean

Jumping from waterfalls, boating alone in remote areas*

Flying

With an airplane or helicopter (only if the pilot has obtained the respective private pilot’s licence)

With a hot air balloon, glider, hang glider, certified paraglider (only if the pilot has obtained a respective licence); with an uncertified paraglider if the pilot has acquired at least FAI ParaPro4 qualification. Acro manoeuvres over water bodies by licenced and adequately trained* pilots

Flying without a private pilot’s license, flying under weather conditions incompatible with the experience of the pilot, flying with equipment that is incompatible with pilot qualification, parachuting and bungee-jumping

Mountain hiking

Up to altitudes of 4,500 metres, including mountain hiking routes up to Category PD**

Up to altitudes of 5,500 metres, including mountain hiking routes up to Category AD**

Crossing semi-closed and closed glaciers, hiking alone in the mountains and in remote areas*, ice climbing

Rock climbing

On well-equipped (sports) routes (only with use of safety equipment*)

Climbing on Via Ferrata routes up to Category III** (only with use of safety equipment*)

* Explanationsonly with use of safety equipment – only when generally accepted safety equipment, including helmet or other body protection, and fasteners are used, or other equipment is used if it is a relevant safety requirement in the particular situationonly with diving certificate – only divers who possess a Professional Association of Diving Instructors (PADI) or similar diver certificate remote areas – areas with restricted access*** with no professional rescue services and regular mobile phone coveragepilot with adequate training – a licenced pilot who has passed a Simulation d’Incident en Vol course and who has at least two years’ experience with Acro manoeuvres

** Categories of difficultyboating - indicated category of difficulty pursuant to the International Scale of River Difficultymountain hiking and rock climbing – indicated category of difficulty pursuant to the European Alpine***; for climbing on Via Ferrata routes – indicated category of difficulty pursuant to the Italian Via Ferrata Grading System; canyoneering – indicated category of difficulty pursuant to the Canyoneering Grade System

Areas with restricted access
In Europe – e.g. Scandinavia and the northern part of Russia near the Arctic Circle; mountainous regions of Russia and Ukraine; worldwide e.g. mountains and glaciers in Greenland, mountains and deserts in Africa

Loan, leasing, credit card

Swedbank Gold and Platinum Credit cards give free travel insurance that covers both you and your family members who travel with you.

Products

This is a website of companies offering financial services – Swedbank AS, Swedbank Liising AS, Swedbank P&C Insurance AS, Swedbank Life Insurance SE, and Swedbank Investeerimisfondid AS. Before entering into any agreement read the terms and conditions of the respective service. Consult a specialist, where necessary.
Swedbank AS does not provide a credit advisory service for the purposes of the Creditors and Credit Intermediaries Act. The borrower makes the decision of taking out a loan, who assesses the suitability of the loan product and contractual terms to his/her personal loan interest, need and financial situation on the basis of the information and warnings presented by the bank and is responsible for the consequences related to concluding the agreement.